Is PTTFX or XYLD a better dividend investment in 2026?

PTTFX currently yields 5.12% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PTTFX and XYLD?

PTTFX has a forward dividend yield of 5.12% ($0.43/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.86 percentage points.

Home › Compare › PTTFX vs XYLD

PTTFX vs XYLD: Dividend Comparison 2026

PTTFX yields 5.12% · XYLD yields 10.98%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 PTTFX wins by $2.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PTTFX

● Live price

5.12%

Share price

$8.31

Annual div

$0.43

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$709.97

Full PTTFX calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — PTTFX vs XYLD

📍 PTTFX pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	PTTFX	XYLD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

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Dividend Calendar Overlap

Combined, PTTFX + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

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PTTFX pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

PTTFX

Annual income on $10K today (after 15% tax)

$435.04/yr

After 10yr DRIP, annual income (after tax)

$603.47/yr

XYLD

Annual income on $10K today (after 15% tax)

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,132.69/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of PTTFX + XYLD for your $10,000?

PTTFX: 50%XYLD: 50%

100% XYLD50/50100% PTTFX

Portfolio after 10yr

$26.6K

Annual income

$1,964.50/yr

Blended yield

7.37%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PTTFX buys

XYLD buys

No recent congressional trades found for PTTFX or XYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricPTTFXXYLD

Forward yield	5.12%	10.98% ✓
Annual dividend / share	$0.43	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$28.0K ✓	$25.3K
Annual income after 10y	$709.97	$3,219.02 ✓
Total dividends collected	$6.1K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: PTTFX vs XYLD ($10,000, DRIP)

Year	PTTFX Portfolio	PTTFX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,212	$511.82	$10,818	$1,098.39	+$394.00 → PTTFX
2	$12,533	$536.30	$11,738	$1,222.51	+$795.00 → PTTFX
3	$13,971	$560.27	$12,774	$1,364.64	+$1.2K → PTTFX
4	$15,532	$583.68	$13,944	$1,527.86	+$1.6K → PTTFX
5	$17,226	$606.47	$15,270	$1,715.87	+$2.0K → PTTFX
6	$19,060	$628.60	$16,775	$1,933.09	+$2.3K → PTTFX
7	$21,045	$650.04	$18,490	$2,184.87	+$2.6K → PTTFX
8	$23,188	$670.76	$20,450	$2,477.63	+$2.7K → PTTFX
9	$25,502	$690.74	$22,697	$2,819.19	+$2.8K → PTTFX
10	$27,997	$709.97	$25,280	$3,219.02	+$2.7K → PTTFX

PTTFX vs XYLD: Complete Analysis 2026

PTTFX — Stock

The fund's investments typically include, but are not limited to, debt instruments issued by the U.S. government and its agencies, corporate bonds, bank loans, and various types of mortgage-backed and asset-backed securities. It may invest up to 35% of its net assets in corporate bonds and other debt instruments that are rated below investment-grade, commonly known as junk bonds or high yield bonds, by each of the rating agencies that have assigned a rating to the security or, if unrated, deemed by T. Rowe Price to be below investment-grade.

Full PTTFX Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.